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State Benefits
Read all about the State Pension and what it means for you.
Want to Transfer-In a pension?
A transfer in of an existing pension pot may be possible. Contact Aviva for further details
Don’t think you can afford to save for your pension?
This tool will show you how you can save money to make saving for your retirement more affordable

Not yet a member?

Don't leave joining until it's too late?

The longer you wait to join, the less money you'll have when you come to retire. See the value of saving more earlier on in your career, rather than leaving it for another day.

How much will the company contribute?

The Defined Contribution Section of the UK Pension Plan offers you a simple and flexible way to build up a pension fund for your retirement.

The contributions the Company makes will depend on what you contribute to your savings. Make the most of this opportunity – the more you save, the more the Company saves towards your future.

View the Company's Contribution Rates

Employee Employer Total

1 3 4* (AE level)

2 4 6

3 5 8

4 6 10

5 7 12

Want to join – all the relevant guides, forms and further information on the Defined Contribution Plan are provided here to make it easy for you

How much are you on track to receive from the State and will it be enough?

For up to date news and articles focusing on pensions

Auto-Enrolment (AE)

If you do nothing you will be Automatically Enrolled into the Plan. Read page 2 of the membership booklet for more information.

Flexibility when you retire

You now have more options available to you at retirement in terms of how you take your pension… view the video and this short guide to find out more

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Flexibility when you retire

You now have more options available to you at retirement in terms of how you take your pension… view the video to find out more and to discuss any of this further, contact Friends Life using the details provided under the Contacts tab.

The Barber Judgment and the equal treatment of men and women

Generally speaking pension Plan’s used to have different retirement ages for Men and Women for example; 65 for men and 60 for women. This practice was challenged in the European Court of Justice in 1990 and it was ruled that Trustees must pay equal or comparable benefits to men and women from that date.

How this changed the Dun & Bradstreet Pension Plan

The Dun and Bradstreet Plan equalised normal retirement ages for men and women, before the Barber judgment, on 6 April 1988. Before this date men had a normal retirement age of 65 and women had a normal retirement age of 60.

Any person that joined the Plan after 6 April 1988 has a normal retirement age of 65 regardless of gender.

Any person that joined the Plan before 6 April 1988 has a normal retirement age of 60 for their service between 17 May 1990 to 31 March 2004; a normal retirement age of 65 for service after 31 March 2004; and a normal retirement age of 65 or 60 depending on gender for service before 17 May 1990.